BRANCH CREDIT OFFICER

Muthoot

0 - 8 years

Karur

Posted: 27/06/2025

Job Description

1.Company Name : Muthoot Fincorp Ltd.

 2 Position/Designation : CREDIT OFFICER-SECURED & UNSECURED LENDING BUSINESS 

3 Grade : C1

 4 Department : SECURED & UNSECURED LENDING BUSINESS

 5 Sub Department(if any) : CREDIT 

6 Employment Type : Probationer 

 Job Role : CREDIT OFFICER-SECURED & UNSECURED LENDING BUSINESS 

 Reporting to - Designation and Grade : CREDIT MANAGER-SECURED & UNSECURED LENDING BUSINESS-D1 

Main Tasks : 1. Meet customer's business premises and residence and conduct a detailed verification. 2. Proper credit assessment as per template and reporting to Credit Manager 3. Conduct study on cash flow, ability to pay of customer with utmost integrity. 4. Gather all relevant information thru discussion & documents to make a proper credit analysis. 5 Areas of Responsibility : 1. Timely customer meetings. 2. 100% compliance to right credit underwriting procedures. 3. maintain TAT within product guidelines. 4. focus Delinquency triggers as per product norms. 

 SkillSets : Unsecured Micro /small ticket /Biz loan credit experience. LAP credit experience. 

Communication Skills : Excellent communication Skills – English language fluency - both verbal and written. 

 Total Experience : 3Year(s)0 Month(s) 

Behavioural Competencies : Need to be a Team player Ability to work stretch/Multi_x0002_Tasking Environment. Effective Communication ability at different levels. Adaptable to complex Work environments& live Organizational values. 






About Company

Muthoot Finance Ltd. is India’s largest Non-Banking Financial Company (NBFC) specializing in gold loans. Headquartered in Kochi, Kerala, the company offers a wide range of financial services including personal loans, insurance, money transfer, forex, and microfinance. Its core business is providing instant loans against gold jewellery, primarily serving the unbanked and underserved population across urban and rural India. With over 6,000 branches and a strong presence in international markets like the UAE, USA, and UK, Muthoot Finance is known for its deep-rooted trust, operational scale, and strong commitment to financial inclusion. The company is publicly listed and regulated by the Reserve Bank of India.

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